```#include <iostream>
#include <cmath>
using namespace std;

int main()
{
// Enter yearly interest rate
cout << "Enter yearly interest rate, for example 8.25: ";
double annualInterestRate;
cin >> annualInterestRate;

// Obtain monthly interest rate
double monthlyInterestRate = annualInterestRate / 1200;

// Enter number of years
cout << "Enter number of years as an integer, for example 5: ";
int numberOfYears;
cin >> numberOfYears;

// Enter loan amount
cout << "Enter loan amount, for example 120000.95: ";
double loanAmount;
cin >> loanAmount;

// Calculate payment
double monthlyPayment = loanAmount * monthlyInterestRate / (1
- 1 / pow(1 + monthlyInterestRate, numberOfYears * 12));
double totalPayment = monthlyPayment * numberOfYears * 12;

monthlyPayment = static_cast<int>(monthlyPayment * 100) / 100.0;
totalPayment = static_cast<int>(totalPayment * 100) / 100.0;

// Display results
cout << "The monthly payment is " << monthlyPayment << endl <<
"The total payment is " << totalPayment << endl;

return 0;
}
```